Personalised guidance and interactive calculations
Understand how pensions work.
Compare the benefits of your workplace schemes with a SIPP.
Get automated tools to help you track progress.
Pension calculators
BASED ON CONTRIBTIONS OF £1,000
*The maximum amount of tax relief depends on individual personal circumstances.
Calculation uses 2023/2024 tax year rates for England, Wales and Northern Ireland.
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Hi, Jamie
Hi, Jamie
OPTIMISE
New optimisations
+ £16,435
Messages
! We predict that you'll repay your
student loan within the next six months.
Optimisations
Pensions + £16,200.00
You're currently paying 60% tax on £10,000 of your income. Using salary sacrifice you could increase your workplace pension fund by £20,000 while only reducing your take home pay by £3,800.
Energy + £234.88
We've found you a new energy tariff which will save you £234.88 a year.
Interactive calculators
Interactive calculators
Putting money into a pension can make good financial sense, especially when taking into account the tax incentives.

We have a range of financial calculators that determine the benefits of investing into a pension plan when compared to other investment types, along with a range of graphical tools to project future growth.

All combined, these tools enable you to make decisions on whether to increase your pension contirbutions, for more income later in life, of feel confident that you can spend more today knowing you're on track.
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Hi, Jamie
Hi, Jamie
OPTIMISE
New optimisations
+ £16,435
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
Portfolio
Net worth
£21,094.67
14.81%
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
Rate map settings >
Tax-allowance tracking
Tax-allowance tracking
There is however a limit to how much you can invest in each tax year, which is based on a number of different factors. The tax benefits of investing into a pension also vary depending on your income.

Determining how much you can put into a pension is quite complex - and time-consuming, so we've developed a range of tools to determine the maximum amount you can put invest.

Our tax-allowance calculators run in real-time and work with our core algorithms and other investment calculators to identify the best options for you.
Sign up
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Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
Self Invested Pensions
SIPPs
A Self-Invested Personal Pension (SIPP) is a type of pension that lets you choose how and where it is invested. While an employer-based pension may offer a limited choice of investments, with a SIPP you can choose from a wide range of funds, shares, ETFs, Investment Trusts and more.

When making a decision you should tax into account any contributions that your employer makes into your pension and whether these would be the same if you opted for a SIPP.

In the app you can store your employer contibution arrangments which we will take into account before we make any recommendations.
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Leading funds on our platform
Total Return Annualised Return
Investments
INVEST
20% EQUITY FUND
M&G
OPTIMAL
5Y ANNUALISED
13.0%
INVEST
40% EQUITY FUND
BNY MELLON
DIVERSIFIED
5Y ANNUALISED
29.6%
INVEST
60% EQUITY FUND
SCHRODERS
CAUTIOUS
5Y ANNUALISED
42.4%
INVEST
80% EQUITY FUND
HSBC
DYNAMIC
5Y ANNUALISED
47.6%
INVEST
100% EQUITY FUND
BLACKROCK
CONSENSUS
5Y ANNUALISED
58.6%
* When investing your capital is at risk. Past performance is not a reliable indicator of future returns. The value of investments, and the income from them, may fall or rise and you might get back less than you invested.
Our service options
Our toolkit and guidance is free to access so cost isn't a barrier.

Guidance

Guidance & recommendations
Guidance
& recommendations
£0

ISA

Stocks & Shares
ISA
Stocks & Shares
ISA
0.25%

GIA

General Investment Account
General
Investment Account
0.25%

SIPP

Self-invested
Personal Pension
Self-invested
Personal Pension
0.25%
Fee calculator
Try our pension calculators
Use our calculators to explore the benefits of pensions.
Pension calculators